If you want to start crypto trading fast, a credit card is the simplest route. No waiting for bank transfers, no banking-hour delays, and you can complete your first purchase in minutes. On BingX, you can buy crypto with credit card, such as Visa or Mastercard. Typically, you would first buy USDT and then swap it for BTC, ETH or another supported coin. Availability, fees, and limits depend on your region and verification level. The flow is built for speed and clarity, so you always see the amount, the quote, and the total before you confirm.
Because card payments act as a fiat on-ramp, you need to complete Know Your Customer (KYC) first. That is standard across regulated exchanges and helps protect your account. Basic verification is quick, while advanced verification unlocks higher limits. Once you are verified and your card is set up, you can buy USDT instantly and convert it to Bitcoin or another asset right away.
One practical note. When you buy crypto with credit card on BingX, purchases may be subject to T+1 selling and withdrawal rules for security. This does not stop you from trading on the platform, but it can delay selling or withdrawing the exact value you just bought until the next day. Plan accordingly if you need immediate access.
Key points upfront
• Cards & 3-D Secure: BingX supports Visa and Mastercard. Your card must allow online payments and 3-D Secure authentication.
• KYC required: You must complete identity verification before your first fiat/card purchase. Higher KYC levels raise limits.
• Fees & rate: Fees and the quoted exchange rate vary by region and provider. Always review the order summary before you pay.
• Speed: Card purchases are typically credited quickly; in most flows you buy USDT first, then swap to BTC/ETH on Spot.
• T+1 rule: Card, Apple Pay and Google Pay purchases can have T+1 selling/withdrawal limits.
• Security basics: Enable 2FA, anti-phishing codes and (optionally) Passkeys before you buy.
Option 1: Buy crypto with credit card (Web)
This route is ideal if you want a fast first purchase and full-screen space to double-check details.
1. Create your account and finish KYC: Sign up or log in on the official BingX website and complete identity verification (Basic or Advanced).
2. Open “Buy Crypto”: On the homepage, hover over Buy Crypto and select Quick Buy to start the card flow.
3. Select the fiat currency and payment method: Select your fiat currency, e.g. EUR or USD. In most regions, the card route first buys USDT. Enter the amount you wish to spend and select Credit Card as the payment method.
4. Review the quote and confirm: Check the rate, fees and final amount, and click OK.
5. Complete the 3-D Secure process: To buy crypto with a credit card, you must complete KYC, link an email address, and provide your billing address.
6. Follow the on-screen instructions and enter your bank details: After you’ve successfully entered your card details and completed all on-screen steps, the selected cryptocurrency will appear in your account. Then head to the Spot market to swap USDT for BTC, ETH, or other coins.
Option 2: Buy crypto with credit card or debit card (App)
This is the fastest way when you’re on the go.
1. Log in and open Quick Buy: Open the BingX app, log in and tap Quick Buy.
2. Set fiat and asset: Choose your fiat, select USDT (or the available asset), enter the amount and tap Buy.
3. Select “Credit/Debit Card” and bind your card: Pick Credit/Debit Card, add your Visa or Mastercard if it’s your first time, and follow the prompts to complete the payment with 3-D Secure.
4. USDT credit and swap: After payment, USDT appears in your account. If you want BTC or ETH, swap from USDT on Spot.
Smart Next Steps After Buying Crypto with a Credit Card
Once your purchase settles, do a quick checkup. Confirm where the funds arrived and, if you plan to trade, move them to Spot or Futures. Boost account security right away by enabling 2FA, setting an anti-phishing code, and using Passkeys to sharply reduce risk. Save your order receipts and export your trading history for accounting or tax purposes. If you buy regularly, set a fixed purchase schedule to stay disciplined and avoid emotional decisions during volatility.
Related Reading
FAQs on Purchasing Crypto with Credit and Debit Cards
1. Which credit or debit cards can I use to buy crypto on BingX?
Visa and Mastercard are supported to buy crypto with credit card. Your card must be enabled for online payments and 3-D Secure.
2. Do I have to complete KYC first?
Yes. KYC is required for your first fiat/card purchase. Higher verification levels can increase your limits.
3. Do I buy BTC directly, or USDT first?
In most regions the card flow purchases USDT first; you can then swap to BTC, ETH or another coin on Spot.
4. How fast will I receive the crypto I buy with a card?
Card purchases are typically quick. You’ll see the quote and a confirmation screen, then your USDT credit follows shortly.
5. What fees apply when buying crypto with credit and debit card?
On BingX, card purchases include a fixed transaction fee based on where your card is issued: 1.50% for cards from EEA countries and 3.30% for cards from non-EEA countries. The exact fee and exchange rate are shown on the order page before you confirm.